cliff. >> we've come right to the 11th hour. the -- the fact that there's going to be a substantive deal that comes out of this in the 11th hour is probably nil to zero, right? essentially in my sense, it's easier to go over the cliff. then there's clarity, right? taxes will go up, spending will get cut. the market will know what is going to happen. it can only get better from there because then you'll get legislators that come to the table, that try to cut taxes and raise some spending, and they'll argue it from a positive point of view and stand up and say, rah-rah, look what we, did right? it won't get any worse if we go over the cliff. if there's a bandaid, it leaves complete confusion, there is no clarity, the market will probably react more negative than actually going over the cliff. i think that's what investors have to be concerned about. now, that being said, i don't think the market's going to crash by any sense. but -- i think there's a lot of money still on the streamlines that needs to be invest -- the sidelines th